The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$40,266
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,519
−HK$1,272/mo
Today · 4.125%
HK$42,791
baseline
▲ 0.50% · 4.625%
HK$45,395
+HK$2,604/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,582/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,796
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,997
−HK$1,219/mo
Today · 4.125%
HK$47,216
baseline
▲ 0.50% · 4.625%
HK$49,705
+HK$2,489/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,432/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,320
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,823
−HK$1,527/mo
Today · 4.125%
HK$51,350
baseline
▲ 0.50% · 4.625%
HK$54,474
+HK$3,124/mo
Deposit HK$7.06M · loan HK$10.60M · min. income ≈ HK$102,700/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,755
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,197
−HK$1,462/mo
Today · 4.125%
HK$56,659
baseline
▲ 0.50% · 4.625%
HK$59,646
+HK$2,987/mo
Deposit HK$7.06M · loan HK$10.60M · min. income ≈ HK$113,318/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,373
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,126
−HK$1,782/mo
Today · 4.125%
HK$59,908
baseline
▲ 0.50% · 4.625%
HK$63,553
+HK$3,645/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,816/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,714
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,396
−HK$1,706/mo
Today · 4.125%
HK$66,102
baseline
▲ 0.50% · 4.625%
HK$69,587
+HK$3,485/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,204/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,479
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$74,734
−HK$2,290/mo
Today · 4.125%
HK$77,024
baseline
▲ 0.50% · 4.625%
HK$81,711
+HK$4,687/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$154,048/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,633
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,795
−HK$2,194/mo
Today · 4.125%
HK$84,989
baseline
▲ 0.50% · 4.625%
HK$89,469
+HK$4,480/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$169,978/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,201 · Scale 2, in force from 26 Feb 2026)